@_melissamarieofficial2.0: 401k pitfall 2: Experiencing MARKET LOSSES is another major risk of the 401(k). 📉💰 Your account may look great while the market is performing well, but your balance can also DROP when the market falls. And the closer you are to retirement, the less time you may have to recover from a major downturn. This is why retirement planning should not only be about how much money you can GROW. You also need to think about how much you can PROTECT. Depending on your age, employment status, plan rules, and financial situation, you may have the option to roll over some or all of your retirement funds into an insurance product such as a fixed indexed annuity. With a fixed indexed annuity, your money is NOT directly invested in the stock market, so you are protected from direct market losses while having the opportunity to earn interest based in part on the performance of an index, subject to the contract terms. You spent YEARS building your retirement. At some point, protecting what you built may become just as important as growing it. 🛡️ 📲 If market losses are something you’re concerned about and you want to explore whether an annuity may be suitable for you, book a FREE consultation with me through the link in my bio. #401k #MarketLoss #Retirement #Retirement #Annuity
Life Insur Agent Melissa Marie
Region: US
Monday 14 September 2026 01:54:56 GMT
Music
Download
Comments
Terrell Jones :
People be looking at me stupid when I tell them I don’t have a 401k🙏
2026-09-14 09:38:16
76
🥓macon🥓 :
120k at 65. I'm stressing to have 1.2 million by 64.
2026-09-14 17:08:31
29
K Hall :
First of all $120,000 isn’t shit for a retirement account it needs to be more like $1,200,000
2026-09-14 14:49:13
208
PinkAKArose08 :
401ks are not a scam. However,you have to be disciplined and make sure your investments are well diversified.
2026-09-14 09:38:07
99
ILoveDiamonds727 :
They need to stop taxing 401k
2026-09-27 03:24:37
16
Brooklyn :
401k is a F**** scam
2026-09-14 12:31:30
29
Prentice Walker :
401ks are not scams. You are able to tax deffer and grow a portfolio. You are also able to borrow against it, you should never take the lump sum out. Meet with a financial planner. You set the fund up for dividends and have the dividends distributed out. Some say 2 - 4% annually. 120k goal was a small goal. If it was 120k and close to retirement it should have been in less risky options. They need to teach this to the public because ssi isn't enough.
2026-09-14 10:54:52
15
David Bailey :
He didn’t put much in it! You don’t lose anything until you sale it. He shouldn’t have sold any of it until the market came back. He failed to invest it correctly.
2026-09-14 16:50:17
25
raysasosa417 :
why take it in a lump sum?! Withdraw at 4% and continue to invest the balance conservative, low risk 😒
2026-09-14 10:02:15
48
Wood dro :
401k are scams! Most people don’t find out until they retire and start withdrawing!
2026-09-14 03:08:20
21
saabiyr :
120k to retire off of😳😳😳😳😳
2026-09-14 16:24:14
18
Bigsmitty1976 :
401K was a loop hole for corporations to get tax breaks to give you a little match and not commit to a pension
2026-09-14 13:30:37
36
DJ.Gen-X :
Gosh 120k might cover 3 years only.
2026-09-14 14:08:16
10
bluedreads :
Yep, the market always goes up and down. There's always crashes. But after a crash, you always get record highs
2026-10-20 08:01:58
0
Jajajajaja 🇭🇳🐧 🦜 :
I hate this videos with people just pointing, what's the purpose, just play the video and move out the way
2026-09-14 10:07:46
9
Tom C :
If he put max for a whole career he would have millions, story does not make sense
2026-09-14 13:39:21
27
tommyc :
I’m sorry for this man but be real! He lived during one of the most economically prosperous times in the history of humans and he retires with nothing? Sorry but the responsibility lays at his feet
2026-09-14 10:22:07
10
Rob :
when was this filmed back in 1961? I don’t know what $120,000 would get you right now. I burned through that with my pension once a year. And also somebody did not tell that kind gentleman that you can move your assets around from mutual funds to bond, funds, etc., etc. etc..
2026-10-04 19:45:32
0
Shag :
401 k has worked well for me, you still have to have an understanding of how money work.
2026-09-18 16:24:12
3
Brian :
None of this makes sense. Why did he have so much exposure to the market that close to retirement? If he’s retirement age, how did he lose half to taxes?
2026-10-26 12:57:47
0
Schatze Page :
This is why a lot of older ppl are still working. 401k is a scam
2026-10-17 07:45:06
0
Elaine :
what should we do then if not put it in the our 401K. where should we put it
2026-10-04 19:40:59
1
Sunshine :
Why is it when the market crash we lose money. But when it’s back going good they don’t refund what they took?
2026-10-07 15:28:20
1
dryoyo26 :
Why did he think 16 years of saving was going to last him an entire lifetime???
2026-10-21 12:01:52
0
Schatze Page :
Ur better off just saving ur own money
2026-10-17 07:46:17
1
To see more videos from user @_melissamarieofficial2.0, please go to the Tikwm
homepage.